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WASHINGTON, D.C. – In small to large protests, Americans from coast to coast are exercising their right to free expression. In some cases, though, protests that started out peaceful have turned violent.“Injured three people, cuts and bruises,” said Mat Davis, a protester in Indianapolis, who saw a vehicle strike several protesters. “It was bad.”In Michigan, Bailee Majeske experienced a protest get out of hand.“There was a lot of rioting, just cars parked in the street were getting smashed,” she said, “and then there was a brick thrown at my head and my friend was stabbed.”So, what happens if you are injured during civil unrest? Getting medical attention is a first priority but knowing exactly what your health insurance covers is key.“You'd need to know what is in the policy - what is covered and especially what is not covered,” said Ray Farmer, who heads up the National Association of Insurance Commissioners (NAIC). “If a protest happens to turn violent and include some rioting, I think that would be extremely difficult for an insurance company to prove that those injuries occurred due to an excluded act, even if the policy had such a provision.”Some policies, though, do have exclusions, like if you take part in “illegal acts” or participate in “civil unrest.” How that’s specifically defined would be up to an insurer, but it could range from vandalism and property damage to violating a community’s established curfew, or failing to leave an area if police order you to do so.However, Farmer says there are some things a consumer should be aware of, in the event they are denied coverage for the treatment of injuries sustained during civil unrest. One – ask the insurance company to point out the specific language being used to deny a claim, and two – reach out to your state’s department of insurance for help navigating the process.“That's our job is to regulate the insurance industry, but more importantly to protect consumers,” he said.While Farmer said there are no reports of protesters’ claims being denied so far, before it even gets to that point, it’s important understand the details in your health insurance coverage.“You certainly don't want any surprises,” he said.As for those who have been caught by surprise, there’s some advice from them, as well.“If you notice there are riots breaking out, it may be time to go home and support from a distance,” Majeske said.For more information on your state’s Department of Insurance, click here. 2485

WASHINGTON, D.C. (KGTV) -- San Diego Mayor Kevin Faulconer was in Washington D.C. Tuesday to meet with President Donald Trump and discuss issues impacting San Diego. According to the White House, Faulconer and the President discussed the United States-Mexico-Canada Agreement. While in the White House, Faulconer also raised several concerns facing San Diego including polluted water flowing in the Tijuana River Valley.Faulconer also discussed San Diego’s homeless crisis with Trump, and what the city is doing to solve homelessness. "I had a chance to briefly meet with the President to discuss a few big issues facing San Diego," Faulconer said on Twitter following the meeting. "We talked about the pending #USMCA deal, California’s homeless crisis, and I also brought up sewage coming from the Tijuana River Valley – and encouraged more federal action to fix it."The mayor's press secretary, Ashley Bailey, said, "It was really 940

WASHINGTON, D.C. – Joe Biden painted a very different picture of the COVID-19 pandemic than President Donald Trump during his first briefing as the nation's president-elect on Monday. "We are still facing a very dark winter," Biden said after a briefing with his advisers in Delaware. Biden announced a new COVID-19 advisory board. The group will be co-chaired by Dr. David Kessler, a former Food and Drug Administration commissioner; Dr. Vivek Murthy, a former surgeon general of the United States; and Dr. Marcella Nunez-Smith, a public health professor at Yale University. "Please wear a mask," Biden implored those watching. WHAT WOULD CHANGE UNDER BIDEN When President-elect Biden takes office, more than just "presidential tone" will change. "They are going to allow the evidence to be back in the driver seat," said Dr. Jon Andrus, an adjunct professor of global health at The George Washington University. Some of the potential changes include: a national mask mandate, more guidance to governors and mayors, increased reliance on international health groups, and more testing and contact tracing. "Lessons learned from many countries, such as those in southeast Asia, show aggressive testing and contracting tracing works," Andrus said. Biden's statement to the media came on the same day Pfizer released promising news about a potential vaccine, saying it 90% effective in some of their trials. 1413

We’re still reviewing evidence to find those responsible for this. Video shows a subject cross the street, enter our lot which is under construction & change the flag. No indication the subject is a #LBPD employee & we’re working w/ construction company to locate any witnesses. pic.twitter.com/8toJXWmXQ1— Long Beach PD (CA) (@LBPD) October 4, 2020 365

WASHINTON, D.C. -- Senate Democrats are unveiling a plan to extend additional unemployment benefits.This is for the extra 0 every week, on top of what states already offer for unemployment.The new proposal would decrease the added benefit as the unemployment rate drops.The Economic Policy Institute supports that plan, saying the additional benefit should stay in place as long as needed.“People are really, really uncertain about how this is going to unfold over the coming months, so putting some arbitrary end date on any provisions related to supporting the economy and the people in it during this crisis makes no sense,” said Heidi Shierholz, Senior Economist and Director of Policy at the Economic Policy Institute.The institute tells us the expansion makes a huge difference, not just for the individual, but for all of us. It estimates if it cuts off at the end of July, that could cost the U.S. 5 million jobs over the next year. That's because less spending creates a further drag on the economy.However, Republicans say the expanded benefit gives people a reason to not go back to work.Some studies have found the economy could actually be worse off if people don't get working again.The American Enterprise Institute agrees, saying the move was just meant to get through the initial lockdown.“This is becoming less of a, the pandemic caused us to initiate lockdowns and people are at home, and now it's just we have a large number of unemployed people, what should we do to assist them, and 0 addition to unemployment checks in a bad economy is a really unprecedented step,” said Matt Weidinger with the American Enterprise Institute.The group says extending the benefits could set that precedent for Congress to act similarly for any future recessions. 1781